MYGA Detail Sheet

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Rating - A++ A+ A A- B++ B+ B B- C++ C+ C C- D E F S NR

Company - Any - Amer. General Life Ins. Co. American National Ins. Co. Aviva Life and Annuity ING USA Annuity and Life Integrity Life Insurance Lincoln Financial Group RBC Insurance

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Company / Product	Issue Ages	Minimum Premiums	Withdrawal Provisions	States	Commissions Age: Rate
Surrender Charges Last 10 Years
ING USA Annuity and Life Guaranteed Choice 10 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 10 Yield to SurrenderTM Current Guarant'd 10 Year MYGA with Bonus 10 Years 1% 3.75 2.75 2.85 2.85
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.8 1.70 2.80 2.80
ING USA Annuity and Life Guaranteed Choice 10 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.75 1.50 2.75 2.75
American General Life Insurance Company AG HorizonSelect 10	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NJ NY OR PA PR TX UT VI WA	0-80: 4.00 81-85: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.7 2.00 2.70 2.70
Lincoln Financial Group Lincoln MYGuaranteesm Plus 10 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.70%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-10 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 10 Year MYGA 10 Years none 2.65 1.70 2.65 2.65
American General Life Insurance Company AG HorizonSelect 7	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NJ NY OR PA PR UT VI WA	0-80: 4.00 81-85: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.4 2.00 2.40 2.40
New Release
American General Life Insurance Company AG Horizon Achiever	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NJ NY OR PA PR UT VI WA
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:			Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-6 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 6 Year MYGA 6 Years none 2.35 2.35 2.35
American General Life Insurance Company AG HorizonSecure 7	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK NY PR TX UT VI	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.2 2.00 2.20 2.20
American General Life Insurance Company AG HorizonSelect 5	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK MN NJ NY OR PA PR UT VI WA	0-80: 4.00 81-85: 3.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2.1 2.00 2.10 2.10
American General Life Insurance Company AG HorizonSecure 5	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 5,000 Monthly: 5,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: AK NY PR TX UT VI	0-80: 4.00+ 81-85: 3.00+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 10 years:		10 9 8 7 6 5 4 3 2 1	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		90% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-5 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 5 Year MYGA 5 Years none 2 2.00 2.00 2.00
Surrender Charges Last 9 Years
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.75 1.60 2.75 2.75
Lincoln Financial Group Lincoln MYGuaranteesm Plus 9 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.60%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.6 1.60 2.60 2.60
ING USA Annuity and Life Guarantee Choice 7 High-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 75,000 Monthly: 75,000 Qualified Single: 75,000 Monthly: 75,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 1% 2.75 1.75 1.89 1.89
ING USA Annuity and Life Guarantee Choice 7 Low-Band	Non-Qualified Owner: 80 Annuitant: 80 Qualified Owner: 80 Annuitant: 80	Non-Qualified Single: 15,000 Monthly: 15,000 Qualified Single: 15,000 Monthly: 15,000	No- Disability  No- Unemployment  Yes-Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: NY PR VI	see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 9 years:		9 8 7 6 5 4 3 2 1	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 1.75 1.50 1.75 1.75
Surrender Charges Last 8 Years
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.7 1.50 2.70 2.70
Lincoln Financial Group Lincoln MYGuaranteesm Plus 8 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 8 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.50%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-8 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 8 Year MYGA 8 Years none 2.55 1.50 2.55 2.55
Surrender Charges Last 7 Years
American General Life Insurance Company AG Horizon Choice 9	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 70 Annuitant: 70	Non-Qualified Single: 5,000 Monthly: 5,000 Qualified Single: 2,000 Monthly: 2,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  Yes-Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MA MD MN NY PA PR VI WA	0-85: 2.65+ see notes
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 6 5 4 3 2 1 0 0	Rate Changed: 08/23/10
	Guaranteed Minimum Value:		100% of Premium at 2.00-3.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-9 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 9 Year MYGA 9 Years none 2.7 2.00-3.00 2.70 2.70
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 High-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.65 1.40 2.65 2.65
Lincoln Financial Group Lincoln ClassicSM 7 High-Band	Non-Qualified Owner: 85 Annuitant: 85 Qualified Owner: 85 Annuitant: 85	Non-Qualified Single: 100,000 Monthly: 100,000 Qualified Single: 100,000 Monthly: 100,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  Yes-Terminal Illness  Yes-Nursing Home  Yes-Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: MN NY	0-75: 2.50 76-80: 1.75 81-85: 0.87
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		9 8 7 6 5 4 3	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 2.00%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate First Year Rate Year 7 Yield to SurrenderTM Current Guarant'd 7 Year MYGA with Bonus 7 Years 3% 5.1 2.10 2.52 2.52
Lincoln Financial Group Lincoln MYGuaranteesm Plus 7 Low-Band	Non-Qualified Owner: 85 Annuitant: Qualified Owner: 85 Annuitant:	Non-Qualified Single: 10,000 Monthly: 10,000 Qualified Single: 10,000 Monthly: 10,000	No- Disability  No- Unemployment  No- Hospitalization  No- Flex. Annuity Option  No- Flex. Wthdrl Rider  No- Long Term Care  No- Extended Care Rider  No- Special Enhanced Life Income Options  No- Death Benefit Rider  No- Terminal Illness  No- Nursing Home  No- Annualization  No- Activities of Daily Living  No- Home Health Care Waiver  No- Guaranteed Purchase Option	Not Available in: IL MN MO NY VI	0-75: 2.50 76-80: 1.60 81-85: 1.00
	Withdrawal Notes:			No Premium Bonus
	Withdrawal Charges 7 years:		7 7 6 5 4 3 2	Rate Changed: 09/01/10
	Guaranteed Minimum Value:		100% of Premium at 1.40%	Next Change : TBD
	Product Type Rate Guarant'd Bonus Rate Years 1-7 Guarant'd Min Rate Yield to SurrenderTM Current Guarant'd 7 Year MYGA 7 Years none 2.5 1.40 2.50 2.50

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